Nat West Failure

Fingerbobs

born_again said:

Just pay off the odd pennies 1st before transfer 🤷‍♀️

Still annoying that you can't transfer the exact amount you want to transfer. You don't discover this limitation until you're in the middle of applying for the transfer - you think I should abandon it, go off an pay off the extra pennies, then start all over again? That's annoying - why can't you just transfer the exact amount you want to transfer? 

grumbler

Fingerbobs said:

grumbler said:

Fingerbobs said:

It's also annoying that you can only request a balance transfer for a whole number of pounds, so you have to either leave a few pence outstanding on the other card, or put it a few pence into credit (unless your other balance happens to be a whole number of pounds). 

Neither is a problem.

Leaving a few pence outstanding could cause you to be stung with interest if you don't clear the rest of the statement balance by some other means.

That's what a DD is  for. Set to pay the balance in full in this case, assuming it's purchases.

If it's a promotional balance, then interest on pennies cannot sting.

Fingerbobs

grumbler said:

Fingerbobs said:

grumbler said:

Fingerbobs said:

It's also annoying that you can only request a balance transfer for a whole number of pounds, so you have to either leave a few pence outstanding on the other card, or put it a few pence into credit (unless your other balance happens to be a whole number of pounds). 

Neither is a problem.

Leaving a few pence outstanding could cause you to be stung with interest if you don't clear the rest of the statement balance by some other means.

That's what a DD is  for. Set to pay the balance in full in this case, assuming it's purchases.

If it's a promotional balance, then interest on pennies cannot sting.

I did say COULD. You COULD have spent £15,000 in a month, not on a promotional balance (e.g. to earn cashback), and want to balance transfer away to a 0% card. Then failing to clear the balance in full would sting.

Anyway, the only point I was making was that it's slightly annoying that you can't just request the exact amount you wish to transfer, and have to faff about dealing with the odd leftover pennies. I didn't say it was a catastrophe, and I didn't expect to be belittled for mentioning it.

Belenus

Fingerbobs said:...

It's also annoying that you can only request a balance transfer for a whole number of pounds, so if you want to clear the balance on another card you have to either leave a few pence outstanding, or put it a few pence into credit (unless your other balance happens to be a whole number of pounds). 

I took out a NatWest Credit Card for balance transfers in February and have successfully done a balance transfer using the mobile phone app that included pence. 

born_again

Fingerbobs said:

born_again said:

Just pay off the odd pennies 1st before transfer 🤷‍♀️

Still annoying that you can't transfer the exact amount you want to transfer. You don't discover this limitation until you're in the middle of applying for the transfer - you think I should abandon it, go off an pay off the extra pennies, then start all over again? That's annoying - why can't you just transfer the exact amount you want to transfer? 

Yes it is annoying. 
But easily sorted. Could even do it after you have requested balance transfer. To manual pay the odd P's
BT, are not instantaneous.